Private Sector Development Team T.V.S Ravi Kumar


Senior Manager - Inclusive Finance & Banking

T.V.S Ravi Kumar is our expert on financing of water and sanitation services in emerging economies. With over nine years of experience he has thorough experience with process mapping, market research and new product development for financial institutions, strategic business planning, water & sanitation financing. He has advised over fifty financial institutions including banks and MFIs in India, Indonesia, Sri Lanka and the Philippines.  

Examples of his recent work include:

  • Leading water credit market assessment of Indonesia to identify the unmet needs of the communities as regards water and sanitation, and recommend potential opportunities for;
  • Developing toolkit on water and sanitation financing;
  • Assisted in development of a research paper on “Small Scale financing for Water and Sanitation” for SHARE consortium;
  • Designing the water and sanitation loan product and managing a sanitation loan programme for Samaj Pragati Sahayog

Prior to joining MicroSave, Ravi worked as a Programme Officer in Samaj Pragati Sahayog, a rural development NGO engaged in promoting microfinance and livelihood activities in Madhya Pradesh. His role was to oversee the implementation of the microfinance programme and launch new livelihood initiatives in one branch location. He is fluent in English, Hindi and Telugu. He is a Management Graduate from the Institute of Rural Management, Anand. 


  • Indian agricultural development has focused on food security over the past decade. While the food security concerns have been allayed to some extent, Indian agriculture is still confronted with serious challenges. Lack of financing is one of them. Policy guidance and institutional...

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  • and MicroSave have jointly developed a series of water, sanitation and hygiene (WASH) microfinance toolkits to provide the information and tools necessary for financial institutions (FIs) to develop products for financing WASH investments. The toolkits present essential information,...

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  • Attracting household savings and private sector investments will speed up WASH coverage and can be considered to be one of the most cost effective public health interventions. Microfinance can play a catalytic role in increasing the uptake of WASH improvements by poor households. But WASH...

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